Call reports 2005
CITIZENS NATIONAL BANK — 2005
What CITIZENS NATIONAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 476,563,000 | 507,285,000 | 525,456,000 | 538,406,000 |
| Total loans | 344,804,000 | 372,858,000 | 389,066,000 | 402,901,000 |
| Allowance for loan losses | 3,123,000 | 3,653,000 | 3,829,000 | 3,943,000 |
| Securities available for sale | 94,512,000 | 97,096,000 | 97,624,000 | 88,411,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 382,635,000 | 407,203,000 | 424,896,000 | 443,182,000 |
| Interest-bearing deposits | 327,907,000 | 344,445,000 | 357,348,000 | 369,657,000 |
| Noninterest-bearing deposits | 54,728,000 | 62,758,000 | 67,548,000 | 73,525,000 |
| Equity capital | 36,948,000 | 38,454,000 | 44,299,000 | 43,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 6,135,000 | 13,182,000 | 20,772,000 | 28,865,000 |
| Interest expense | 1,812,000 | 3,990,000 | 6,553,000 | 9,319,000 |
| Net interest income | 4,323,000 | 9,192,000 | 14,219,000 | 19,546,000 |
| Noninterest income | 1,056,000 | 2,222,000 | 3,437,000 | 4,620,000 |
| Noninterest expense | 3,321,000 | 6,723,000 | 10,313,000 | 14,228,000 |
| Provision for loan losses | 130,000 | 373,000 | 581,000 | 784,000 |
| Pretax income | 1,928,000 | 4,318,000 | 6,762,000 | 9,154,000 |
| Income tax | 136,000 | 303,000 | 472,000 | 638,000 |
| Net income | 1,792,000 | 4,015,000 | 6,290,000 | 8,516,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,525,000 | 38,541,000 | 44,748,000 | 44,849,000 |
| Total capital | 41,032,000 | 42,275,000 | 48,659,000 | 48,933,000 |
| Risk-weighted assets | 374,829,000 | 403,427,000 | 425,361,000 | 443,296,000 |